ComplaintsforDuTrac Community Credit Union

• Initial Complaint

  12/15/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  11/16/23 I was in a car accident (hit a deer). 11/17/23 the car was declared a total loss by StateFarm. 11/17/23- Statefarm, myself, and Dutrac were on a three way call where StateFarm informed ******************************* that my car was declared a Total Loss. StateFarm received the total amount for damage. StateFarm asked for 10 day pay off: 12/2/23 stated what they would pay leaving a balance still on the loan. I had *** on the car. ***** told me, "You have nothing left to worry about. I will get the claim filed with *** and will reach out if we need anything more." StateFarm mailed check off to Dutrac 11/30/23 I called Dutrac 12/2/23 for ***** & find out status of *** payment. ***** was not in the office message for ***** to call me Monday 12/4. I did not get a call but noticed that the StateFarm check was cashed and processed at the bank leaving total of $8,638.02 on my loan. 12/12/23 I called Dutrac since I still had not heard anything more from *****. We spoke the *** claim, which she told me had NOT been filed yet. ***** explained that *** can ***********-8 wks to come back. I explained its been almost 4 weeks the car was totaled, how has this claim not been filed yet? She stated she would do it first thing the morning 12/13/23. Then explained that I was still responsible for making the car payment until the *** was paid and then if I wanted to try to get my money back I would have to contact *** to file a claim with them. I do not believe that it is my responsibility to continue to pay for a car that was declared a total loss on 11/17/23 and as of 12/13/23 Dutrac had still failed to meet their obligation to file the paperwork in a timely manner with ***. When I asked ***** why exactly it has taken so long, she responded, "We have been busy." - Therefore, Dutrac has been accruing daily interest on this loan that they are telling me I am still responsible to pay. If able, please advise what my rights are pertaining to this matter.Thank you.****** (************) ******

• Initial Complaint

  07/11/2023

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  I got a car loan through this company back in 2020. I have been making payments to them for the past three years. I have insurance with progressive, but I did have a small period of time without insurance. Other than that I have had insurance, and I have shown proof of insurance to dutrac, but they will not stop overcharging me. They also keep adding an insurance premium for my loan, even though I have insurance. I have talked to a lady named ******* for the pass almost 2 years. A resolution has not been met and to this day I have paid about $1000 or less of my loan from three years ago. They have added as little of over $7000 extra to my loan for not having insurance even though I have shown countless times proof of insurance. This company is being very unfair to me and I have been very patient as you can tell from three years of dealing with this. I would love some help please. I have all the emails and proof that I sent the insurance to them if you need them. I have faxed them, emailed them, and since the insurance in the mail. All forms of getting it to them, and they still cannot receive them. My payments are also a lot more than they were when I first started.

  Business response

  07/20/2023

  After a thorough review of the documentation previously submitted to DuTrac and the documentation attached to this complaint, it is apparent that the consumer/member has two vehicles of the same year, make, and model but with different VIN#'s. One of those vehicles, with VIN# ending ****, which secures the loan here is the one we have been trying to obtain proof of the required insurance coverage on. To date, we have not been able to verify continuous coverage on the correct vehicle securing the loan for the entire term of the loan. Providing insurance documentation on a vehicle with a VIN# ending in **** is confusing the matter. In fact, the most recent documents attached here and provided to DuTrac in June 2023 show a VIN ending in ****.

   

  Please contact the Consumer Loan Manager, *************************, directly here at ************ or *********************************** so that we can attempt to work with you to rectify this situation.

   

  Thank you,

  ***********************

  SVP Lending

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